HAWK Advisers: Blog

Electric Scooters- What’s the Risk?

There is a popular new mobility option that has hit the streets in Roanoke - Lime Scooters. In fact, they have not just hit Roanoke's streets, according to Lime's website, they have been introduced to more than 100 cities worldwide. Lime encourages people to ride in...

Seminar Recap: Benefits That Bite

HAWK Advisers took a deep dive into the murky waters surrounding Workers' Compensation & Employee Benefits in our latest seminar to help employers spot, identify, and defend their company from lurking sharks. Suit up, we're diving into our discussion below! CHEWS...

Sensory Technology in Insurance

Technology has made an impact on every industry and whether or not you are pro-technology or against it, we can all agree it is here to stay. Insurance is no exception and our industry is changing at an unprecedented pace. As risk advisers, we draw your attention to...

Why Do We Spell Advisers With An E?

According to the Grammarist, adviser and advisor are both accepted spellings of the noun meaning one who advises or counsels. There is no difference between them. However, adviser, the older version, is listed as the primary spelling in most dictionaries, and it is...

10 Facts from HAWK’s Self-Funding Seminar!

On June 11, 2019, HAWK Advisers hosted a seminar where David Smith, Vice President of Risk Management and Compliance with EbenConcepts, provided an employer primer on self-funded health plans (including level-funded or balance funded) and discussed the risk, finance...

What Are the Disadvantages to Self-Funded Health Plans?

The Society for Human Resource Management (SHRM), states that employers who self-insure health plans are directly responsible for paying medical claims rather than paying for conventional health insurance policies. A self-insured employer chooses its plan design and...

Traditional vs. Self-Funded Health Plans

What is self-funding? According to the Health Care Administrators Association, in practical terms, self-insured employers pay for claims out-of-pocket as they are presented instead of paying a pre-determined premium to an insurance carrier for a fully-insured plan....

Not-At-Fault Car Accidents & Workers’ Compensation

Motor vehicle accidents are a leading cause of catastrophic injury and death to persons of all ages in the United States. Many of these motor vehicle accidents happen during the workday and involve people going to and from work or completing job-related tasks. If you...

Meet Susan, our Claims & Commercial Lines Specialist!

Susan Carter, CIC, CISR Claims & Commercial Lines Specialist Susan Carter leads the HAWK Commercial Lines team in our efforts to deliver responsive and engaging claims management support.  Susan’s distinguished insurance career includes 3 decades of underwriting,...

Do You Own Your Energy?

What do others think of you? I know, we have been told many times in our lives “don’t worry about what other people think of you.” While there is truth to this statement, the reality is that YOU have control over what others think of you. How? Because we “own our...

ACA Compliance Seminar: 5 Key Takeaways

Over the last 2-3 years, employers and employees alike are facing compounding challenges over rising healthcare & benefit costs.  Recent legislative reform and emerging healthcare trends are rapidly changing the employee benefits landscape.  At HAWK Advisers, we...

Smoking Fire Safety

Yesterday, our mulch caught on fire. I know, I know, that sounds like it’s not that big of a deal, but it was, and here is why. What started as a relatively small fire turned into a fire that “hopped” from one mulch section to another around our building. The weather...

Lions, Tigers, and Billions…OH MY!!!

2017 ended the year with approximately $306 Billion in catastrophic losses as a result of global disasters. The insured portion of these global losses is projected to land somewhere north of $135 Billion, making 2017 one of the three most costly years in recorded...

Do you understand your Business Insurance Policy?

Insurance is confusing, so when terms like schedules, endorsements, liability, package policies, exclusions, conditions (you get the idea), get thrown around its natural to feel overwhelmed. That is why it is so important to have an independent insurance adviser as...

Pet Exclusions

Why does my insurance adviser ask me what kind of dog I own? Did you know that Americans file tens of thousands of home insurance liability claims each year due to dog bites and other dog-related injuries? As a result, insurers spend approximately $570 million dollars...

What’s Your Why?

Founder & CEO of Blue Mobius Marketing, Caitlyn Scaggs, spoke at a recent Marketing Workshop in Blacksburg, VA on “The ‘Why’ of Marketing.”  As you can imagine, this spurred my interest and I want to share my insight on this topic with you. By now businesses know...

Little Things Go a Long Way

Do you have a heart for service but aren’t sure where to start? There are so many wonderful and worthy organizations in the Roanoke Valley that sometimes it can feel overwhelming to determine where your time would be best spent. Time is a valuable asset, and as a...